Santa Maria Associated Employees Federal Credit Union Santa Maria, California
Santa Maria Associated Employees Federal Credit Union is a federal credit union headquartered in Santa Maria, CA, established in 1958 (NCUA charter 12508), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,042 members and total assets of $4.8M (down 2.5% from Q2 2025), the 228th largest of 238 credit unions headquartered in California. Its net worth ratio was 9.62% at Q2 2026, in the well capitalized band.
Also written as Santa Maria Associated Employees FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 12508
- Headquarters
- Santa Maria, CA
- Established
- 1958
- Total assets, Q2 2026
- $4.8M
- Assets vs Q2 2025
- -2.5%
- Members, Q2 2026
- 1,042
- Net worth ratio, Q2 2026
- 9.62%
- Latest call report
- Q2 2026, NCUA 5300 · Santa Maria Associated Employees Federal Credit Union call report
- Asset rank in state
- 228th of 238 in California
- Routing number
- 322282373
- Branches
- 1
It has 33 more members than on June 30, 2025 (+3.3%). Its net worth ratio was up 0.24 percentage points from 9.38% on June 30, 2025. Used vehicle loans are its largest loan category, $1.4M of $3.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.21% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.62% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in California
Frequently asked about Santa Maria Associated Employees Federal Credit Union
How big is Santa Maria Associated Employees Federal Credit Union?
At Q2 2026 it reported total assets of $4.8M and 1,042 members.
Where is Santa Maria Associated Employees Federal Credit Union headquartered?
It is headquartered in Santa Maria, CA, United States.
When was Santa Maria Associated Employees Federal Credit Union founded?
It was established in 1958, per NCUA records.
Is Santa Maria Associated Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 12508): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Santa Maria Associated Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Santa Maria Associated Employees Federal Credit Union well capitalized?
Its net worth ratio was 9.62% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Santa Maria Associated Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.21% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Santa Maria Associated Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 72.29% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Santa Maria, CA 93458
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1958
- NCUA Charter #
- 12508
- RSSD ID
- 557380
- Members
- 1,042
- Potential members
- 5,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.62% | 14.31% | 13th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.41% | 0.72% | 36th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.21% | 4.74% | 46th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.44% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 92.82% | 79.83% | 24th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.09% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.21% | 0.86% | 84th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.53% | 4.70% | 79th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 72.29% | 58.92% | 70th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.8M total assets against $4.9M; $4.3M total shares and deposits against $4.4M; $3.1M total loans against $3.1M.
$458K net worth against $459K.
9.62% net worth ratio against 9.38%.
72.29% loan-to-share ratio against 70.66%.
0.21% delinquency ratio against 0.63%.
0.41% return on assets against 1.51%; 4.21% return on equity against 16.09%.
5.44% net interest margin against 5.09%.
1,042 members against 1,009.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.62% | 0.41% | 0.21% | 72.29% |
| March 31, 2026 | 9.22% | 0.22% | 0.06% | 72.45% |
| December 31, 2025 | 9.49% | -0.66% | 0.07% | 71.18% |
| September 30, 2025 | 9.44% | 0.00% | 0.51% | 75.64% |
| June 30, 2025 | 9.38% | 1.51% | 0.63% | 70.66% |
| March 31, 2025 | 8.85% | 0.53% | 0.33% | 63.49% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.